I have a critical illness insurance policy for £75,000. A friend told me that if I had a heart attack, which is one of the illnesses covered by my policy, and i died within the following month, the policy would not pay out. Is that true?

what does mortgage insurance really mean? from what I've seen, is seems to come down to life insurance. Am i right?

If i choose which garage i want my car to be repaide in and subsequently there is a problem with that repair, will my insurer help sort the problem out?

can i get life insurance for my children?

i have a life insurance policy which i bought 2 yrs ago. at that time i smoked but this yr my new years resolution was to stop smoking - and i have! ive read that my policy will be loaded because i was a smoker when i took out the policy. will they reduce it now becuse i do not smoke?